Lead Credit Risk Analyst - Distressed Merchant Resolutions

Location: Cincinnati, Ohio, United States; hybrid workplace. Other location: Atlanta, Georgia.

Company

hirify.global provides payment solutions that support businesses and global commerce.

What you will do

• Make credit decisions for complex merchant opportunities while balancing business growth with financial, operational, and reputational risk.
• Identify, quantify, and mitigate exposure to maintain a high-quality credit portfolio.
• Provide credit recommendations, risk insights, and deal-structuring guidance for strategic business decisions.
• Strengthen credit policies, risk frameworks, compliance practices, and decision quality.
• Mentor analysts and contribute to a culture of continuous learning and accountable decision-making.

Requirements

• Bachelor’s degree in Finance, Accounting, Statistics, Business, or a related field.
• Significant experience in credit analysis, risk assessment, or financial underwriting.
• Experience evaluating complex business and merchant relationships.
• Ability to make independent, data-driven decisions that balance risk management and business growth.
• Strong communication, influencing, negotiation, judgment, and analytical skills.
• Ability to work in a hybrid role based in Cincinnati, Ohio, United States.

Nice to have

• Experience with due diligence for portfolio acquisitions, conversions, or large-scale merchant onboarding.
• Experience mentoring, coaching, or developing analysts.
• Experience contributing to credit policy, risk framework, or process improvements.

Culture & Benefits

• Inclusive, global working environment.
• Collaboration across teams and opportunities to learn from experienced industry professionals.
• Equal opportunity employment and reasonable accommodations during hiring and employment.
• U.S.-based hires receiving a conditional offer must undergo a drug test.